We are so happy to announce the 2023 Christmas Display Contest Judges:
Hidden Valley / Hanson Ranch – Wednesday, December 13th – Judges are:
Santa
Tricia Stojke from Homes Scape – Owner Home Staging & Design
Ashtyn Huscroft – Mortgage Specialist from TD Canada Trust
Evanston – Thursday, December 14th – Judges are:
Santa
Tricia Stojke from Homes Scape – Owner Home Staging & Design
Ian Watt – VP of Operations for Advanced Mortgage
Weekly Calgary Real Estate Update For December 11/ 2023
3693 homes for sale in metro Calgary (down 37)
1685 homes sold in the last 30 days (down 55)
2.19 months worth of inventory (up 0.05)
45.63% of the homes statistically to sell in the next 30 days (down 1.02%)
Market Conditions: Seller’s Market
Average List Price: $541,926 (down $8,608)
Average Sale Price: $535,872 (down $7,793)
Average days on market: 31 (same)
Average list to sale price ratio : 98.88% (down 0.13%)
*Numbers in the brackets are a comparison from last week’s stats. Ideally, we want the number of homes selling in the last 30 days to increase weekly, the months of inventory to decrease (meaning demand is matching inventory) and the % of homes to sell in the next 30 days to increase
The holiday season can often bring a mix of joy and financial stress. For those with mortgages up for renewal, feeling the pinch of inflation or concerned with any changes to an already tight budget, it may hit all too close to home.
As a mortgage professional, I understand the prospect of seeing your payments rise at renewal—now or even two years from now—can be daunting. That’s why I’d like share a few practical tips to help you manage this anxiety effectively.
1. Understand your mortgage contract
Start by thoroughly understanding the terms of your mortgage. Familiarize yourself with details like your current interest rate, the renewal date, and any penalties for early renewal or refinancing. This knowledge will help you understand your mortgage options.
2. The importance of budgeting and financial planning
Develop a robust budget. Anticipate potential increases in your mortgage payments and adjust your spending accordingly, now or over the next few months. Financial planning tools and professionals can be helpful in this process, and I would be happy to provide you with a referral if needed.
3. Explore renewal options
If your mortgage renewal is approaching, consider shopping around for better rates. Financing your mortgage with a different lender could potentially result in a lower interest rate, but it is important to be aware of certain restrictions, which I can gladly elaborate on.
4. Stay informed about market trends
Keep yourself updated about the real estate market and interest rate trends. This knowledge can help you make informed decisions when it comes time to renew or refinance your mortgage. I’m here to help you stay on top of those trends.
5. Communicate with your mortgage professional
Communicate openly with your mortgage professional, we are here to help. If you’re facing financial hardship, there may be tools available to you. Lenders are often willing to work with you to find appropriate solutions in challenging financial times, with some offering assistance programs for those struggling with their payments. These vary by lender, but can include temporary payment deferral plans, skip-a-payment options or amortization extensions.
If you are finding your current situation overwhelming, don’t worry, you’re not alone. Contact me today so we can review your finances and all of the options available to you. By staying informed, planning ahead, budgeting and taking care of your mental well-being, you can navigate this challenging period more effectively and enjoy the festive season with less financial worry. I’m here to help de-stress your mortgage needs.
Barb Eglauer
Mortgage Agent
(780) 720-5185
barb.eglauer@mortgagegroup.com
Weekly Calgary Real Estate Update For December 4/ 2023
3730 homes for sale in metro Calgary (down 129)
1740 homes sold in the last 30 days (down 74)
2.14 months worth of inventory (up 0.01)
46.65% of the homes statistically to sell in the next 30 days (down 0.35%)
Market Conditions: Seller’s Market
Average List Price: $550,534 (up $4,532)
Average Sale Price: $543,665 (up $3,433)
Average days on market: 31 (same)
Average list to sale price ratio : 99.01% (down 0.26%)
*Numbers in the brackets are a comparison from last week’s stats. Ideally, we want the number of homes selling in the last 30 days to increase weekly, the months of inventory to decrease (meaning demand is matching inventory) and the % of homes to sell in the next 30 days to increase
Weekly Calgary Real Estate Update For November 27/ 2023
3859 homes for sale in metro Calgary (down 86)
1814 homes sold in the last 30 days (down 80)
2.13 months worth of inventory (up 0.05)
47.00% of the homes statistically to sell in the next 30 days (down 1.01%)
Market Conditions: Seller’s Market
Average List Price: $546,002 (up $1,412)
Average Sale Price: $540,232(down $135)
Average days on market: 31 (same)
Average list to sale price ratio : 99.27% (down 0.23%)
*Numbers in the brackets are a comparison from last week’s stats. Ideally, we want the number of homes selling in the last 30 days to increase weekly, the months of inventory to decrease (meaning demand is matching inventory) and the % of homes to sell in the next 30 days to increase
Ho Ho Ho! It’s time for our Annual Robyn Moser & Associates Christmas Display Contest in Hidden Valley & Hanson Ranch. Plus including for the second year – the area of Evanston! We will be holding Hidden Valley/Hanson Ranch on Wednesday, December 13/2023 and Evanston’s on Thursday, December 14/2023. We hope to see your displays up and glowing on the evening of your event! We are so pleased to announce that we are able to offer each evening ONE GRAND PRIZE of $1,000 this year! Again this year – we will be holding a People’s Choice online as well! You will have up until Tuesday, December 12th to nominate and vote for your favorite too! Please go to RobynMoser.com to nominate and vote – you can also click on the link and share for you to rally your friends and families to vote as well.
We also have a fabulous lineup of judges again this year. Judges will be announced the week December 11/2023. See below for the guidelines and rules!
Robyn Moser, Anna Taranova and Viktoriya Butko of Robyn Moser & Associates are independent members/broker with Re/Max Realty Professionals.
Christmas Display Contest 2023
Official Rules & Guidelines
Wednesday, December 13, 2023 – 5:00pm – 9:00pm – Hidden Valley & Hanson Ranch
Thursday, December 14, 2023 – 5:00pm – 9:00 pm – Evanston
NEW!! Online Voting for People’s Choice – opening on December 1st
Each first place winner of the Officially Judged homes will be awarded a grand prize of $1000!!
The People’s Choice Winner will win a weekend away at an AirBnB Cabin in the Crowsnest Pass.*[1]
The winner of the People’s Choice Awards will be announced on December 13th.
1. Must be a resident of Evanston, Hidden Valley or Hanson Ranch.
2. No registration necessary for Officially Judged Homes. For People’s Choice award, the home must be nominated at least 3 times to participate.
3. Single family, detached, attached, condominiums, townhouses and any multi-family residences are eligible to win.
4. Businesses are exempt from participating.
5. Robyn Moser & Associates employees and their immediate families are not eligible to participate.
6. Anyone caught destroying or vandalizing any displays will be immediately disqualified, including their place of residence, from the contest.
7. Robyn Moser & Associates employees cannot and will not judge the contest, nor will their opinions influence any of the judging.
8. Third party judges will be appointed – minimum of three.
9. Judges will not receive any monetary payment for their participation in this event.
10. Judges will be publicly announced via Robyn Moser & Associates social media page no later than ONE WEEK prior to the contest
11. Judging will commence at approximately 5:00 pm on Wednesday, December 13/ 2023 in Hidden Valley/Hanson Ranch and approximately at 5:00 pm on Thursday, December 14/ 2023 in Evanston .
12. Lights must be turned on prior to contest beginning at 5:00pm and continue to be on until at least 9:00pm or your home will not be judged. Once judging has happened in your area, we can not come back. Please ensure your lights are on by 5pm to be eligible for judging.
13. There will be one grand prize winner awarded in Evanston and one in Hidden Valley. People’s Choice Home will not be eligible for the $1000 prize.
14. No resident may win the first prize winner two years consecutively.
15. Second and third place winners from the previous years are still eligible to win.
16. Winner will be notified immediately after judging is complete. Be aware this may be as late as 10:00pm.
17. Winners must agree to display a Winner sign on their front lawn declaring them as the winner for a period of three weeks from the contest date.
18. Winners must agree to have their address and a photo of their house posted on the Robyn Moser & Associates website, blog & all social media accounts.
19. Judging results are final – no re-calculations will be done.
20. People’s Choice Awards. All homes must be nominated on the website to be eligible. Voting will commence online by December 1st. People will be able to vote on the webpage. There will be One People’s Choice award for Evanston and One for Hidden Valley/Hanson Ranch. Winners of the People’s Choice Awards will be announced on December 13th for Hidden Valley and December 14th for Evanston. The winners of the People’s Choice will not be eligible to win the $1000 grand prizes. In the event that there is a tie for the People’s Choice Award – the Judges for Each Area will choose the winner.
*[1] Some conditions apply – Blackout dates will apply*[2], not eligible for cancellations – once booked dates are final, Prize must be used within one calendar year of prize being awarded.
*[2] Blackout dates include – Sinister 7 event days, December 21-January 3 dates are not eligible to book
Weekly Calgary Real Estate Update For November 20/ 2023
3945 homes for sale in metro Calgary (down 34)
1894 homes sold in the last 30 days (down 121)
2.08 months worth of inventory (up 0.11)
48.01% of the homes statistically to sell in the next 30 days (down 2.63%)
Market Conditions: Seller’s Market
Average List Price: $544,590 (down $7,079)
Average Sale Price: $540,367 (down $8,077)
Average days on market: 31 (up 1)
Average list to sale price ratio : 99.50% (down 0.19%)
*Numbers in the brackets are a comparison from last week’s stats. Ideally, we want the number of homes selling in the last 30 days to increase weekly, the months of inventory to decrease (meaning demand is matching inventory) and the % of homes to sell in the next 30 days to increase
Weekly Calgary Real Estate Update For November 13/ 2023
3979 homes for sale in metro Calgary (down 25)
2015 homes sold in the last 30 days (down 64)
1.97 months worth of inventory (up 0.04)
50.64% of the homes statistically to sell in the next 30 days (down 1.28%)
Market Conditions: Seller’s Market
Average List Price: $551,669 (up $5,899)
Average Sale Price: $548,444 (up $4,232)
Average days on market: 30 (same)
Average list to sale price ratio : 99.69% (down 0.24%)
*Numbers in the brackets are a comparison from last week’s stats. Ideally, we want the number of homes selling in the last 30 days to increase weekly, the months of inventory to decrease (meaning demand is matching inventory) and the % of homes to sell in the next 30 days to increase
Inspecting your home on a regular basis and following good maintenance practices is the best way to protect your investment. Whether you take care of a few tasks at a time or several all at once, it’s important to get into the habit of completing these checks annually leading up to each season.
With winter well on its way, it’s important to establish a regular schedule to help prevent the most common – and also costly – problems from occurring. Be sure to make notes and take pictures of anything you’d like to share with an expert for advice or to help monitor the situation moving forward.
This checklist will help guide you in keeping your home a safe and healthy place to live this winter and year-round.
Of course, if you don’t feel comfortable performing some of the home maintenance tasks listed below, or you don’t have the equipment on hand to properly complete each section, you may want to call in a professional handy person.
Weekly Calgary Real Estate Update For November 6/ 2023
4004 homes for sale in metro Calgary (down 134)
2079 homes sold in the last 30 days (down 103)
1.93 months worth of inventory (up 0.03)
51.92% of the homes statistically to sell in the next 30 days (down 0.81%)
Market Conditions: Seller’s Market
Average List Price: $545,770 (down $6,587)
Average Sale Price: $544,212 (down $4,807)
Average days on market: 30 (up 1)
Average list to sale price ratio : 99.93% (down 0.01%)
*Numbers in the brackets are a comparison from last week’s stats. Ideally, we want the number of homes selling in the last 30 days to increase weekly, the months of inventory to decrease (meaning demand is matching inventory) and the % of homes to sell in the next 30 days to increase
